Department of Management, 2009

Abstract

This experiment has the objectives to found out the effect of Pegadaian credit to the increase of small trader income and to found out the amount of work development from credit approved by Pegadaian to its customer. The type of this experiment is qualitative experiment using case study approach. Data being used is primary data obtained from first source questionnaire. Passed through questionnaire contain questions related to determined variables such as: income increasing after receiving credit, which would be the measure point to view the small trader development. While secondary data is data that has gone through processing and provide by Perum Pegadaian consist of amount of customer and amount of credit data. Data analysis technique will use Simple Linear Regression. Result of the experiment has showed that the given Kredit Kreasi has made positive effect to small trader income. This is supported by regression calculation that resulting regression coefficient for X=0.268 and the result of t calculation=12.039 larger than t table 1.980 on significant level of 5%. Based on respondent answer, it is known that the developing work of small trader has been viewed from its selling rate, profit and also the amount of trade item showing increase. While the credit amount development that has been distributed has reach Rp. 396.000.000,. Based on the result of the experiment, I suggest Perum Pegadaian paid more attention to those variables above in giving Kredit Kreasi toward the small trader, to maintain the existing results and to improve the current performance also Perum Pegadaian should always done Pengawasan dan Pembinaan (Monitoring and Training) for both the society and the managing party so that the loan is being used according with its purpose and no leak is occurring.